Student Loans Application

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Invest in Your Future with the

BAAC Student Loan Program

Supporting Adams County Students in the Building Trades

The Builder’s Association of Adams County (BAAC) is proud to offer interest-free, deferred student loans to eligible students from Adams County high schools who are pursuing post-secondary education in the building and construction trades.

This program was created to support the next generation of skilled workers in our local community and is funded through proceeds from the annual Adams County Home Show.

Who’s Eligible?

  • Graduates of Adams County, PA high schools
  • Students pursuing careers in building-related trades (e.g., carpentry, HVAC, plumbing, electrical, construction management)
  • Children of BAAC members may be considered for non-trade degrees, depending on fund availability
Key Benefits

  • Interest-free loan

  • Deferred repayment—you don’t begin paying until 3 months after completing or leaving school

  • Flexible repayment plan over 24 months

  • $500 loan reduction for students who return to work for a BAAC member for at least one year

The program is made possible by funding from our annual Adams County Home Show and is set up as an interest free, deferred student loan, providing the recipient abides by the trust agreement. The trust agreement allows repayment to begin three months following either termination or completion of the post secondary education. You are given a twenty-four month repayment period with the monthly payment calculated by dividing the total amount of the loan by the twenty-four months.

Each application is reviewed on an individual basis and funding is granted based on availability. One loan is usually allowed per year, but we will also consider additional funding for the second semester if our funds are plentiful. Recipient repayments may also be extended if the monthly amount is taxing to the student and is evaluated and approved by individual request.

Loan funds may be used for tuition, books, room and board, etc. Applications must be submitted along with letters of reference and grades.

Each application is reviewed by the Board of Directors at the monthly board meeting. Each recipient and a guarantor (parent) must sign a trust agreement, which is administered by ACNB Bank’s Trust Department. If a student returns to Adams County and goes to work for a member of the BAAC for a minimum of one year of satisfactory employment, we offer a reduction of $500 on their loan.

Access Form Access Form

IF YOU WOULD LIKE MORE INFORMATION ABOUT OUR STUDENT LOAN PROGRAM OR WOULD LIKE TO REQUEST AN APPLICATION PLEASE CONTACT:

BAAC
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717-337-5144

P.O. BOX 3321, GETTYSBURG, PA 17325